Debit Card

Convenient way to pay for your everyday purchases

When you open a Citi Handlowy personal account, you receive Mastercard® PayPass™ debit card that not only lets you pay for your purchases or withdraw cash from ATMs but also offers you a number of additional benefits.

Customers who have a Personal Account in the Bank can use the free-of-charge cash deposit and withdrawal service in euros (EUR) and US dollars (USD) at selected Citi Handlowy ATMs, available in each of our branches. You can find their locations on our website.

Foreign currency deposits can be made in all denominations of EUR and USD banknotes. Foreign currency withdrawals are made in EUR 50 and USD 100 banknotes (or a multiple thereof). Foreign currency withdrawals and deposits can be made from PLN, EUR, USD, GBP and CHF bank accounts.

The ATMs can be used for currency exchange. If the withdrawal currency differs from the account currency, the Bank will convert the amount to be withdrawn from the transaction currency to the account currency at the exchange rate consistent with the Currency Exchange Rate Table applicable at the Bank at the moment of the transaction. The exchange rate applied to covert the amount to be withdrawn from the transaction currency to the account currency will be displayed on the ATM screen for the Customer’s approval, and will be shown on the transaction receipt printed out by the ATM.

Thanks to a special security mechanism it is not possible to double a transaction or copy the card’s details that would allow for any unauthorized use.

When you are making a contactless payment, the card activates only for a split second when it receives a clear signal from the terminal and it works only within up to 5 cm from the reader. It is not possible to capture information transmitted this way.

Learn more about how to safely use your card.

Do not disclose your card numbers and PINs to anybody. Your PINs should always be memorized and not recorded/written anywhere.

Do not store your passwords in files stored on your computer.

Do not reveal the information stated on your credit card such as its expiry date and the last 3 digits of the credit card number.

When using SMS service, always make sure that the last digits of the beneficiary’s account number correspond to the account number stated in the activating SMS.

Before you start using your PIN, E-PIN or CitiPhone PIN, make sure that nobody has accessed them before.

Use strong passwords and PINs (e.g. never use your birthday date for your password).

Is it possible that using a contactless sticker I’ll pay for somebody else’s shopping?

There is no such risk. The contactless card does not send any information by itself. It remains ‘inactive’ in the user’s wallet. When you are making a contactless payment, the microchip activates for a split second only when it receives a clear signal from the contactless reader. The reader itself is inactive for most of the time and it activates for a moment when it receives a signal from the terminal after the seller entered the amount of a specific transaction.

Can a contactless sticker get destroyed when put in contact with a mobile phone or a magnetic card?

No, it cannot.

Can the contactless sticker respond to other contactless scanners such as ticket validators or scanners at building entries?

Contactless payments are based on a standard ISO 14443 transmission protocol that can be applied also by devices other than payment terminals.

Can I use the debit card to pay online?

However, it will never result in making a payment transaction.

Please note that you can switch off the contactless payment option on your debit card. To do this, you only need to log on to Citibank Online and fill out the form available in the ‘Contact us’ section.